Uncategorized
-
AllState CoPay Enhanced Plan
The AllState CoPay Enhanced Short Term plan is a more traditional private insurance plans. It is offered through AllState, formerly National General, and accesses the Aetna Network, one of the largest networks in the nation. This plan DOES have copay payments for Dr visits & Urgent Care visits. Each family member can have 2 Dr visits per 12 month period. There is a $40 copay for PCP and $60 for specialist. There are 2 deductible options $6000 & $8000 with premiums adjusted by chosen dedcutible. There is also pharmacy coverage offered with this plan. To help off-set the deductible cost there are supplemental plans, such as an accident plan from…
-
AllState Enhanced 80/20 Plan
The AllState Enhanced Short Term plan is a more traditional private insurance plans. It is offered through AllState, formerly National General, and accesses the Aetna Network, one of the largest networks in the nation. This plan does NOT have copay payments for Dr visits. You are required to pay 20% of costs, after deductible, up to the max $10,000 out of pocket coinsurance. There is a $50 access fee for Urgent Care (before deductible). There are several deductible options, the most popular being $5000 with 80/20 coinsurance and $10,000 Max Out-of-Pocket after deductible is met. Deductible must be met for hospital stays & Dr visits before the plan covers anything.…
-
Life Insurance Terms
Understanding Life Insurance can be so complicated… but don’t worry I am here. Let’s start with some terms. Agent An insurance company representative licensed by the state who solicits and negotiates contracts of insurance, and provides service to the policyholder for the insurer. An agent can be independent agent who represents at least two insurance companies or a direct writer who represents and sells policies for one company only. I am an independent agent that represents many companies so I can help you find the RIGHT plan with the RIGHT company. Annuity A contract that provides a periodic income at regular intervals, usually for life. There are several options for…
-
Allstate Guaranteed Issue Accident Plan
National General (NatGen) offers some great guaranteed issue supplemental plans to help off-set the cost of your deductible and subsequent out of pocket cost for accidents with a lump sum payment made directly to you. Being that a lot of guaranteed issue plans offer more limited benefits these supplements are a viable solution to help patients receive the care they need in an emergency without having to pay as much out of pocket. Plans do renew annually without additional underwriting needed. For plan brochure, click here.
-
United Short Term Medical Value
The United Short Term Medical Value Plan is one of the more traditional private insurance plans. It is offered through United Healthcare, one of the largest healthcare insurance providers in the country and is a Nationwide PPO plan. This plan does NOT have copay payments for Dr visits & Urgent Care visits. You are required to pay 30% of costs, after deductible, up to the max $10,000 out of pocket coinsurance. There are several deductible options, the most popular being $7500 with 70/30 coinsurance and $10,000 Max Out-of-Pocket after deductible is met. Deductible must be met for hospital stays. To help off-set the deductible cost there are supplemental plans, such…
-
BCBS Advantage Gold 206
Blue Cross Blue Shield is one of the most recognizable insurance companies out there. While there corporate, or employee sponsored plans, are second to none their private plans are a little different. To start with the max-out-pocket is generally higher than some other plans, but their deductibles can be on the lower end. With that being said though, their premiums are typically higher than most other private plans. Based on your individual needs they may be the best option, but there might be another company that fits your budget a little better. This plan in particular offers a $750 dedcutible, 60/40 coinsurance with $8700 max out-of-pocket. These plans do offer…
-
United Dental Plans
United Health offers some of the BEST dental & vision plans out there with Nationwide PPO plans and some plans even offering benefits for ortho and implants. Preventative Care of covered completely on all of the plans with basic, major and more extensive benefit levels available depending on the plan you choose. For Premier Plan Brochure click here. For Primary Plan Brochure click here. The Vision benefits are also very extensive. Plan A has been included in your dental quote, if you would like to upgrade to Plan B let me know and we can adjust pricing. For Vison Brochure click here.
-
MedElite Accident Protection
MedElite offers guaranteed issue (no underwriting required) accident plans to help off-set the potential out of pocket costs for hospital and/or urgent care visits with a one time lump sum payout. With premiums ranging from $50 – $160 based on benefit level & family size these plans are a great cost effective option to help keep your cost lower. One pay out per person is allowed per year. Almost 75% of all ER visits for those under 45 are accident related ranging from twisted ankles to food poisoning to car accidents, so having an accident plan makes sense, especially for families … you just never know what is going to…
-
NatGen Plan Enhancers
National General (NatGen) offers some great supplemental plans to help off-set the cost of your deductible and subsequent out of pocket cost for accident and sickness related hospital stays with a lump sum payment made directly to you. NatGen offers both underwritten options with benefit levels ranging from $2500 – $17,500 and also guaranteed issue plans with a $10,000 benefit level. Being that a lot of private plans offer higher deductibles these supplements are a viable solution to help patients receive the care they need without having to pay the high deductible out of their pocket directly. Premiums vary based on benefit level selected and based on underwriting. Plans do…
-
United Tri-Term Plan
Tri-Term Plans are a great solution for those individuals who are looking for a consistent premium for an extended period of time. Each plan offers a guaranteed rate for 3 years. The most popular of the Tri-Term-Term plans is the CoPay Select Max Plan. It offers several deductible options, with the $7500 being the most popular and 70/30 coinsurance and $4500 man out-of-pocket after deductible, premiums change based on deductible you choose. There is a $50 copay for Dr visits per person, per term for 4 visits. There is also $75 copay for unlimited urgent care visits. $50 copay for well exams, 1 per person per term is also available.…
